OjaCircle vs Stratum Remit

OjaCircle — Save together with people you trust. A modern home for ajo, esusu, susu, and chama: the rotating savings traditions where members contribute on a schedule and take turns receiving the pooled payout. Start a circle with friends, family, or community. The app handles rotations, reminders, and contribution tracking — no spreadsheets, no chasing. Features Multi-currency wallet (NGN, USD, GBP, KES, GHS, ZAR) Real-time contribution and payout tracking Rewards for consistent participation Referral program Trust scores built from contribution history Identity verification Bank deposits and withdrawals Smart reminders Built for community — from Lagos and Accra to London and New York. Modern security with encryption and fraud monitoring. Start saving together today. Terms of Use: https://ojacircle.com/terms · Privacy Policy: https://ojacircle.com/privacy

Stratum Remit is the smarter way to send money home. Built for the diaspora community, we make international money transfers fast, affordable, and transparent — with absolutely zero transfer fees. WHY STRATUM REMIT? Zero Fees — Every Time We never charge transfer fees. What you see is what your recipient gets. No hidden costs, no surprises. Great Exchange Rates Our rates are updated in real time and shown before you confirm. The rate at confirmation is the rate you get. Fast Transfers Most transfers arrive within minutes, not days. Send money when it matters — not when the bank decides. AI-Powered Assistant Meet Kora, your personal transfer assistant. Just say "Send $200 to Mom," and Kora handles the rest. Available 24/7 to help with transfers, check rates, and answer questions. Multi-Chain Technology Deposit USDC via Stellar, Polygon, Ethereum, or TRON — giving you flexibility and speed. WHERE CAN I SEND MONEY? Africa: Nigeria, Kenya, Ghana, South Africa, Tanzania, Uganda, Ethiopia, Cameroon, Senegal, Rwanda, and more Europe: United Kingdom, Germany, France, Spain, Netherlands, Italy, Portugal, Ireland, Belgium Caribbean & Americas: Mexico HOW IT WORKS 1. Create your account in minutes 2. Add a recipient 3. Enter the amount — see the exchange rate and zero fees instantly 4. Confirm and send — your recipient gets the money fast FEATURES • Zero transfer fees on every transaction • Real-time exchange rates with no hidden markups • AI assistant (Kora) for hands-free transfers • Recurring transfers — set it and forget it • Multi-chain USDC deposits (Stellar, Polygon, Ethereum, TRON) • Bank-level encryption and security • 24/7 support via in-app chat, email, and phone • Invite friends and earn $10 per referral SECURITY & COMPLIANCE Stratum Remit is operated by Orokii Inc., a licensed money services business. We are registered with FinCEN and hold NMLS #2116903. Your data is protected with bank-level encryption, and we comply with all applicable regulations. SUPPORT Need help? Reach us anytime: • In-app AI chat — available 24/7 • Email: support@orokii.com • Phone: (646) 535-8730 • Web: https://stratumremit.com/support Download Stratum Remit today and start sending money home — the way it should be.